Free Retirement Planning is Not Really Free!

Free Retirement Planning? Think about it! Who can afford to give a vital
and specialized service like retirement planning to you for free?

The one exception might be your employer. Employers are sympathetic
towards employees nearing or entering retirement. Some large companies
and institutions offer annual retirement planning seminars to their
employees. Your employer might be willing to pay the fees for you to
attend such a retirement planning seminar.

But attending a seminar is not going to give you the free planning
you are looking for. In fact the retirement planning seminar would in
all probability be far too late to get adequate retirement planning in
place.

Your bank, insurance, or investment company might offer
'free' retirement planning, but invariably the plan would be slanted
towards investing in their own products. And in my experience, that is
not always in your best interest. You indirectly pay for your planning.

We've
all been spoilt by the Internet! All, or at least much, information is
freely available on the Internet. But if you don't know how to interpret
all this information for your own benefit you could be misled or become
complacent.

On this website we try to discuss all aspects of
retirement planning. Visit the various pages, educate yourself,
understand all the dynamics, and eliminate uncertainty! Only then can
you take control of your own retirement planning.

Play around with
the retirement planners, calculators, spreadsheets, workbooks, and
other retirement planning tools we review. Learn what are the common
deficiencies found in retirement planning tools.

But at the
end of the day we recommend that you find an independent, qualified,
and experienced retirement planning adviser and manager. Ideally your
adviser should charge a fee for his or her services and not rely on
commissions for products or investment instruments that he/she
recommends.